Truck Finance Perth
Morella Finance helps Perth buyers arrange truck finance from $10,000 for dealer purchases and private sales. Whether you're replacing a work truck or adding capacity to your business, I handle the finance application and settlement paperwork so you can concentrate on choosing the right vehicle.
Set your budget before you shop
Getting pre-approved before you inspect trucks gives you a clearer buying budget. Tell me what the truck needs to do, how your business earns its income and what repayments you can comfortably manage. I'll assess suitable options before you commit to a purchase.
Allow for fuel, tyres, servicing, insurance, registration and vehicle licence duty alongside the loan repayments. A used truck may also need work before its first job, so leave room for repairs and time off the road. If you're buying interstate, include transport and inspection costs in your budget.
For an ABN holder buying a truck for business use, I can recommend a finance structure such as a chattel mortgage and explain the repayment options. Same day pre-approval is possible, depending on your circumstances and the lender. Final approval also depends on the truck and the lender's requirements.
Commercial Finance Repayment Calculator
Estimate your repayments. Adjust the sliders to match your situation.
Monthly repayment
$1,409
per month
Weekly
$325
Total repayment
$67,637
Estimates only. Your actual rate depends on your profile and lender. Get a real comparison.
Get my quoteAbout the starting rate
6.00% p.a. is a starting point for estimating repayments only. It is not a quote, not an offer of finance, and not a rate available to every applicant. Your actual rate depends on the lender, the asset, the loan term, the loan amount and your circumstances. Adjust to model scenarios.
What you can finance
Morella Finance arranges finance for new and used trucks for business use, including dealer stock and private sales. Tell me about the vehicle's age, condition, body and intended work so I can assess it against suitable lenders' requirements.
Light trucks for deliveries, trade work and service businesses.
Rigid trucks with tray, curtainsider or enclosed bodies.
Tippers for construction and material cartage.
Refrigerated trucks for temperature-controlled deliveries.
Prime movers for freight and haulage work.
Refinancing an existing business truck loan.
An older truck can still be considered, although lender requirements vary. Send me the details before you pay a deposit so I can check your options.
Buying from a dealer in Perth
Welshpool and Forrestfield are useful areas to include in your truck search, with truck sales premises around Kewdale Road and Abernethy Road. Think about how the vehicle will handle your actual work, whether that's deliveries around Welshpool, freight through Kewdale or loads travelling between Perth's industrial areas and Fremantle.
Once you've found a truck, send me its details and the dealer invoice. I'll deal with the dealer on the finance paperwork and settlement, including any further vehicle information the lender needs. You'll have one person keeping you updated as the purchase progresses.
If the truck needs a body fitted or other equipment added before delivery, let me know early. I can check whether the proposed purchase and delivery arrangements suit the lender.
Buying a truck privately in Perth
If you've found a truck through a private seller, I handle the ownership checks and finance paperwork using these steps.
Get pre-approved, then go and look at the truck.
Once you've inspected it and agreed on a price, send me the seller's details.
I contact the seller for ownership documents and run a PPSR search to check whether money is owed on the truck.
If the lender requires an inspection, I arrange it. Occasionally a valuation is needed too.
I prepare a private sale invoice for you and the seller to sign.
The lender pays the seller directly. Any existing finance is paid out at settlement.
Once the funds clear, you collect the truck.
Money owing on the truck isn't automatically a deal breaker. It is paid out at settlement so you receive clear ownership.
Western Australia rules and paperwork
For a truck already licensed in WA, the buyer must notify the Department of Transport and Major Infrastructure within 14 days of purchase, and the seller must notify it within seven days. Heavy vehicle transfers cannot be completed online through DoTDirect, and neither can transfers to or from a company. For a private purchase in those categories, complete the MR9 transfer form with the seller and lodge your copy by post or at a service centre.
Budget for vehicle licence duty as well as the transfer fee. RevenueWA bases the dutiable value of commercial and heavy vehicles on their open market value, or the selling price if that is higher. Features attached at licensing are included, so don't assume duty will be assessed on the cab and chassis alone.
An interstate truck must pass an Authorised Inspection Station inspection before it can be licensed in WA. For a heavy vehicle licensing application, you also need the Change in Heavy Vehicle Use form, VL184. A licensing inspection checks compliance with vehicle standards, rather than providing a comprehensive assessment of mechanical condition, so consider a separate mechanical inspection before agreeing to buy.
One broker from enquiry to settlement
You'll speak with me throughout the process. I compare options across a large panel of lenders, including specialist lenders, and recommend finance suited to the truck and your business circumstances. When documents or questions arise, I handle the follow-up and explain what is needed next.
Low-doc options are available for eligible self-employed buyers. Let me know how long you've been trading and what you're buying, and I'll explain the documentation requirements for suitable options. No deposit options may also be available, depending on your circumstances and lender approval.
Morella Finance is based on the Gold Coast and works with Perth clients by phone and email. Call 07 2145 8323, Monday to Saturday, 8am to 6pm AEST. Asking for a free quote doesn't affect your credit file.
FAQs
Yes. Send me the truck details and dealer invoice, and I'll assess suitable finance options and deal with the dealer on the loan paperwork and settlement.
Heavy vehicle licence transfers cannot be completed through DoTDirect. For a private purchase, use the MR9 transfer form and lodge the buyer's copy by post or at a service centre within 14 days of purchase.
Yes, subject to lender approval of your application and the truck. An interstate truck needs an Authorised Inspection Station inspection before WA licensing, so factor that into your collection and work schedule.
Low-doc options are available for eligible self-employed buyers. I'll assess your business circumstances and explain which documents suitable lenders need.
Yes, I can assess refinancing options for an existing business truck loan. I'll consider the truck, your current payout and your business circumstances, and explain the costs and repayment terms before you decide.